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#sp-public-nav .login{font-size:.95rem;color:var(--ink);opacity:.82}\n
#sp-public-nav .login:hover{opacity:1}\n
#sp-public-nav .join{\n
font-size:.95rem;font-weight:600;\n
color:#fff;background:#7AB800;\n
padding:9px 18px;border-radius:980px;\n
transition:background .18s ease;\n
}\n
#sp-public-nav .join:hover{background:#5a8a00}\n
\n
#sp-public-nav .panel{\n
position:absolute;top:calc(100% + 0px);left:50%;\n
transform:translateX(-50%) translateY(6px);\n
background:var(--panel);\n
border:1px solid var(--line);\n
border-radius:var(--radius);\n
box-shadow:0 18px 60px -12px rgba(0,0,0,.18),0 4px 14px rgba(0,0,0,.05);\n
padding:24px 28px;\n
opacity:0;visibility:hidden;pointer-events:none;\n
transition:opacity .2s ease,transform .2s ease,visibility .2s;\n
z-index:1001;\n
}\n
#sp-public-nav .nav-item:hover>.panel,\n
#sp-public-nav .nav-item.is-open>.panel{\n
opacity:1;visibility:visible;pointer-events:auto;\n
transform:translateX(-50%) translateY(0);\n
}\n
\n
#sp-public-nav .slim{display:flex;flex-direction:column;min-width:230px}\n
#sp-public-nav .slim-2col{display:flex;gap:48px}\n
#sp-public-nav .slim-city{display:flex;flex-direction:column}\n
#sp-public-nav .slim-head{\n
font-size:.72rem;font-weight:600;letter-spacing:.01em;\n
color:var(--grey);\n
margin-bottom:16px;white-space:nowrap;\n
}\n
#sp-public-nav .big-list{display:flex;flex-direction:column;gap:11px}\n
#sp-public-nav .big-list a{\n
font-size:1.55rem;font-weight:700;line-height:1.18;\n
color:var(--ink);letter-spacing:-.01em;white-space:nowrap;\n
transition:color .15s ease;\n
}\n
#sp-public-nav .big-list a:hover{color:#000;opacity:.7}\n
/* B-1733: In Dropdowns mit Rangfolge (Events, Für Unternehmen, Startupwelt, AI Hub, Über uns)\n
trägt nur der erste Eintrag die volle Größe — die folgenden treten zurück und führen den Blick\n
auf das Hauptziel. Coworking/Konferenzräume bleiben ungestuft (Einträge dort sind gleichrangig). */\n
#sp-public-nav .big-list-tiered a:not(:first-child){\n
font-size:1.05rem;font-weight:600;line-height:1.3;\n
color:var(--grey);letter-spacing:0;\n
}\n
#sp-public-nav .big-list-tiered a:not(:first-child):hover{color:var(--ink);opacity:1}\n
/* B-2155: Nebeneintrag im Stadt-Block (AI Community Pass) — tritt gegenüber den\n
gleichrangigen Hauptprodukten zurück, bleibt aber mit Badge auffindbar. */\n
#sp-public-nav .big-list a.nav-sub{\n
font-size:1.05rem;font-weight:600;line-height:1.3;\n
color:var(--grey);letter-spacing:0;\n
display:inline-flex;align-items:center;gap:8px;\n
}\n
#sp-public-nav .big-list a.nav-sub:hover{color:var(--ink);opacity:1}\n
#sp-public-nav .nav-badge{\n
background:#9535ff;color:#fff;\n
font-size:.62rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;\n
padding:2px 7px;border-radius:999px;line-height:1.4;\n
}\n
#sp-public-nav .slim-divider{height:1px;background:var(--line);margin:20px 0 14px}\n
#sp-public-nav .slim-foot{\n
display:flex;align-items:center;justify-content:space-between;\n
gap:24px;white-space:nowrap;\n
}\n
#sp-public-nav .slim-cta{\n
font-size:.95rem;font-weight:600;color:#5a8a00;\n
transition:color .15s ease,opacity .15s ease;\n
}\n
#sp-public-nav .slim-cta:hover{color:#7AB800;opacity:.85}\n
/* B-1473: Probetag-CTA pro Stadt-Spalte; Footer nur noch Memberships (rechtsbündig) */\n
/* B-2174: Der Probetag-CTA hing per festem margin-top direkt unter der Liste und\n
rutschte damit mit jeder zusaetzlichen Zeile nach unten. Seit dem AI Community Pass\n
(B-2155) hat Duesseldorf einen Eintrag mehr als Koeln -> die beiden CTAs standen\n
33px versetzt. margin-top:auto schiebt ihn an den Spaltenboden; die Spalten sind\n
durch das flex-stretch in .slim-2col ohnehin gleich hoch. Das padding haelt den\n
Abstand zur Liste, wenn eine Spalte exakt ausgefuellt ist. */\n
#sp-public-nav .slim-city-cta{margin-top:auto;padding-top:16px}\n
#sp-public-nav .slim-foot-single{justify-content:flex-end}\n
#sp-public-nav .slim-over{\n
font-size:.9rem;font-weight:400;color:var(--grey);\n
transition:color .15s ease;\n
}\n
#sp-public-nav .slim-over:hover{color:var(--ink)}\n
\n
#sp-public-nav .burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;\n
width:32px;height:32px;align-items:center;justify-content:center}\n
#sp-public-nav .burger span{display:block;width:18px;height:1.5px;background:var(--ink);position:relative}\n
#sp-public-nav .burger span::before,#sp-public-nav .burger span::after{content:"";position:absolute;left:0;width:18px;height:1.5px;background:var(--ink)}\n
#sp-public-nav .burger span::before{top:-5px}#sp-public-nav .burger span::after{top:5px}\n
\n
/* ===== Mobile Drill-Down-Overlay (Apple-Stil) ===== */\n
#sp-public-nav .mobile{\n
display:none;position:fixed;inset:0;z-index:1005;\n
background:#fff;flex-direction:column;overflow:hidden;\n
}\n
#sp-public-nav .mobile.open{display:flex}\n
\n
/* Header: Logo + Schließen */\n
#sp-public-nav .mob-topbar{\n
flex:0 0 auto;height:var(--bar-h);\n
display:flex;align-items:center;justify-content:space-between;\n
padding:0 22px;border-bottom:1px solid var(--line);\n
background:rgba(255,255,255,.92);\n
backdrop-filter:saturate(180%) blur(14px);\n
-webkit-backdrop-filter:saturate(180%) blur(14px);\n
}\n
#sp-public-nav .mob-logo img{height:24px;display:block}\n
#sp-public-nav .mob-close{\n
width:32px;height:32px;border:0;background:transparent;\n
color:var(--grey-soft);font-size:22px;line-height:1;cursor:pointer;\n
display:flex;align-items:center;justify-content:center;border-radius:50%;\n
}\n
#sp-public-nav .mob-close:active{background:#f2f2f4}\n
\n
/* Sliding viewport */\n
#sp-public-nav .mob-viewport{flex:1 1 auto;position:relative;overflow:hidden}\n
#sp-public-nav .mob-level{\n
position:absolute;inset:0;overflow-y:auto;-webkit-overflow-scrolling:touch;\n
background:#fff;transition:transform .3s cubic-bezier(.32,.72,0,1);\n
}\n
\n
/* Level 1 */\n
#sp-public-nav .mob-level1{transform:translateX(0);display:flex;flex-direction:column;z-index:1}\n
#sp-public-nav .mobile.in-sub .mob-level1{transform:translateX(-26%)}\n
#sp-public-nav .mob-l1-list{flex:1 1 auto;padding:6px 0 4px}\n
#sp-public-nav .mob-l1-row{\n
display:flex;align-items:center;justify-content:space-between;width:100%;\n
background:transparent;border:0;text-align:left;\n
padding:17px 22px;font-size:17px;color:var(--ink);font-weight:500;\n
letter-spacing:-.012em;cursor:pointer;position:relative;font-family:inherit;\n
}\n
#sp-public-nav .mob-l1-row + .mob-l1-row::before{\n
content:"";position:absolute;top:0;left:22px;right:0;height:1px;background:var(--line);\n
}\n
#sp-public-nav .mob-l1-row:active{background:#f7f7f8}\n
#sp-public-nav .mob-chev{color:#aeaeb2;font-size:20px;font-weight:400;line-height:1;margin-left:12px}\n
\n
/* Level 1 footer */\n
#sp-public-nav .mob-foot{\n
flex:0 0 auto;border-top:1px solid var(--line);\n
padding:16px 22px 22px;display:flex;align-items:center;gap:14px;flex-wrap:wrap;\n
}\n
#sp-public-nav .mob-lang{font-size:13px;color:var(--grey);letter-spacing:.02em}\n
#sp-public-nav .mob-lang a{color:var(--grey)}\n
#sp-public-nav .mob-lang a.active{color:var(--ink);font-weight:600}\n
#sp-public-nav .mob-lang .sep{color:#aeaeb2;margin:0 4px}\n
#sp-public-nav .mob-login{font-size:14px;color:var(--ink);font-weight:500}\n
#sp-public-nav .mob-pill{\n
margin-left:auto;background:#7AB800;color:#fff;font-size:14px;font-weight:600;\n
padding:9px 18px;border-radius:999px;letter-spacing:-.01em;white-space:nowrap;\n
}\n
#sp-public-nav .mob-pill:active{background:#6aa300}\n
\n
/* Level 2 panels */\n
#sp-public-nav .mob-panel{\n
transform:translateX(100%);display:flex;flex-direction:column;z-index:2;\n
}\n
#sp-public-nav .mob-panel.active{transform:translateX(0)}\n
#sp-public-nav .mob-sub-header{\n
position:sticky;top:0;flex:0 0 auto;\n
background:rgba(255,255,255,.92);\n
backdrop-filter:saturate(180%) blur(14px);\n
-webkit-backdrop-filter:saturate(180%) blur(14px);\n
border-bottom:1px solid var(--line);z-index:5;\n
}\n
#sp-public-nav .mob-back{\n
display:flex;align-items:center;gap:4px;width:100%;\n
background:transparent;border:0;text-align:left;\n
padding:15px 20px;font-size:17px;font-weight:600;letter-spacing:-.015em;\n
color:var(--ink);cursor:pointer;font-family:inherit;\n
}\n
#sp-public-nav .mob-back-arrow{color:#7AB800;font-size:21px;line-height:1;margin-right:2px}\n
#sp-public-nav .mob-back:active{opacity:.6}\n
#sp-public-nav .mob-l2-body{flex:1 1 auto;padding:8px 0 4px}\n
#sp-public-nav .mob-group-head{\n
font-size:11px;font-weight:600;letter-spacing:.07em;text-transform:uppercase;\n
color:#aeaeb2;padding:18px 22px 7px;\n
}\n
#sp-public-nav .mob-l2-row{\n
display:block;padding:14px 22px;font-size:16px;color:var(--ink);\n
font-weight:400;letter-spacing:-.01em;position:relative;\n
}\n
#sp-public-nav .mob-l2-row + .mob-l2-row::before{\n
content:"";position:absolute;top:0;left:22px;right:22px;height:1px;background:var(--line);\n
}\n
#sp-public-nav .mob-l2-row:active{background:#f7f7f8}\n
#sp-public-nav .mob-ext{font-size:12px;color:#aeaeb2;margin-left:5px;vertical-align:1px}\n
\n
/* CTA area */\n
#sp-public-nav .mob-cta-area{\n
flex:0 0 auto;border-top:1px solid var(--line);\n
padding:18px 22px 24px;display:flex;flex-direction:column;gap:12px;\n
}\n
#sp-public-nav .mob-cta{\n
display:block;text-align:center;background:#7AB800;color:#fff;\n
font-size:16px;font-weight:600;padding:14px 18px;border-radius:14px;letter-spacing:-.01em;\n
}\n
#sp-public-nav .mob-cta:active{background:#6aa300}\n
#sp-public-nav .mob-cta-secondary{\n
display:block;text-align:center;color:var(--ink);font-size:15px;font-weight:500;padding:2px;\n
}\n
\n
@media(max-width:1023px){\n
#sp-public-nav .nav,#sp-public-nav .bar-right{display:none}\n
#sp-public-nav .burger{display:flex}\n
}\n
</style>\n
<div id="sp-public-nav">\n
\n
<!-- ============ TOP BAR ============ -->\n
<header class="bar">\n
<div class="bar-inner">\n
<a class="logo" href="/" aria-label="STARTPLATZ">\n
<img src="https://res.cloudinary.com/startplatz/image/upload/c_scale,w_180/v1614775163/logos/STARTPLATZ_Logos/STARTPLATZ_Logo.png" alt="STARTPLATZ">\n
</a>\n
\n
<nav class="nav" id="nav">\n
\n
<!-- ===== Büros & Coworking ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Büros & Coworking</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-2col">\n
<div class="slim-city">\n
<div class="slim-head">Köln</div>\n
<div class="big-list">\n
<a href="https://www.startplatz.de/coworking-koeln/">Coworking</a>\n
<a href="https://www.startplatz.de/teambuero-koeln/">Teambüros</a>\n
<a href="https://www.startplatz.de/geschaeftsanschrift-koeln/">Geschäftsadresse</a>\n
</div>\n
<a class="slim-cta slim-city-cta" href="https://cal.eu/startplatz/coworking-probetag-koln">Probetag buchen →</a>\n
</div>\n
<div class="slim-city">\n
<div class="slim-head">Düsseldorf</div>\n
<div class="big-list">\n
<a href="https://www.startplatz.de/coworking-duesseldorf/">Coworking</a>\n
<a href="https://www.startplatz.de/buero-duesseldorf/">Teambüros</a>\n
<a href="https://www.startplatz.de/geschaeftsanschrift-duesseldorf/">Geschäftsadresse</a>\n
<a class="nav-sub" href="https://www.startplatz.de/ai-community-pass-duesseldorf/">AI Community Pass<span class="nav-badge">Neu</span></a>\n
</div>\n
<a class="slim-cta slim-city-cta" href="https://cal.eu/startplatz-dus/coworking-probetag-dusseldorf">Probetag buchen →</a>\n
</div>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot slim-foot-single">\n
<a class="slim-over" href="https://www.startplatz.de/memberships/">Memberships & Tarife →</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Konferenzräume ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Konferenzräume</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">Konferenzräume entdecken</div>\n
<div class="big-list">\n
<a href="https://www.startplatz.de/koeln-tagungsraeume-und-konferenzraeume/">Konferenzräume Köln</a>\n
<a href="https://www.startplatz.de/duesseldorf-tagungsraeume-und-konferenzraeume/">Konferenzräume Düsseldorf</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/raumanfrage?standort=koeln">Raum in Köln buchen</a>\n
<a class="slim-cta" href="https://www.startplatz.de/raumanfrage?standort=duesseldorf">Raum in Düsseldorf buchen</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Events ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Events</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">Events entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="https://www.startplatz.de/events">Alle Events</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/meetups/">Meetups</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/hackathons/">Hackathons</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/events">Zu allen Events</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Für Unternehmen (Business Innovation) ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Für Unternehmen</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">Business Innovation entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="/business-innovation/">Für Unternehmen</a>\n
<a href="/business-innovation/ai-experience-day/">AI Experience Day</a>\n
<a href="/business-innovation/startup-scouting/">Startup Scouting</a>\n
<a href="/business-innovation/trusted-advisor/">Trusted Advisor</a>\n
<a href="/business-innovation/partnerschaften/">Partnerschaften & Sponsoring</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.cal.eu/julian-palaszewski-aqkzwq" target="_blank" rel="noopener">Gespräch vereinbaren</a>\n
<a class="slim-over" href="https://startplatz-ai-academy.de/unternehmen" target="_blank" rel="noopener">AI Academy →</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Startupwelt ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Startupwelt</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">Startupwelt entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="https://www.startplatz.de/accelerator/">KI Accelerator</a>\n
<a href="https://www.startplatz.de/open-accelerator">Inkubator</a>\n
<a href="https://www.startplatz.de/gruendungsstipendium-nrw/">Gründungsstipendium NRW</a>\n
<a href="https://www.rheinlandpitch.de" target="_blank" rel="noopener">Rheinland-Pitch</a>\n
<a href="https://www.startplatz.de/startups">Unsere Startups</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/accelerator/">Jetzt bewerben</a>\n
<a class="slim-over" href="https://www.startplatz.de/sprechstunden/">Sprechstunden, Mentoring & mehr →</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== AI Hub ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">AI Hub</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">AI Hub entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="https://www.startplatz.de/ki-weiterbildung/masterclasses/">Webinare & Masterclasses</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/ki-campus/">KI Campus</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/meetups/">Meetups</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/hackathons/">Hackathons</a>\n
<a href="https://www.startplatz.de/ai-hub-rheinland-koeln-frankreich-startplatz/">Frankreich-Initiative</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/ki-experten">Dozent:in werden</a>\n
<a class="slim-over" href="https://startplatz-ai-academy.de/" target="_blank" rel="noopener">Zur AI Academy →</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Über uns ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Über uns</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">STARTPLATZ entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="https://www.startplatz.de/ueber-uns/">Über STARTPLATZ</a>\n
<a href="https://www.startplatz.de/startplatz-team/">STARTPLATZ Team</a>\n
<a href="https://www.startplatz.de/standorte/">Standorte</a>\n
<a href="https://www.startplatz.de/partner">Partner</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/karriere/">Karriere</a>\n
<a class="slim-cta" href="https://www.startplatz.de/partner-werden/">Partner werden</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Blog (direct link) ===== -->\n
<div class="nav-item">\n
<a class="nav-link" href="https://www.startplatz.de/blog/">Blog</a>\n
</div>\n
\n
</nav>\n
\n
<div class="bar-right">\n
<div class="lang">\n
<button class="lang-btn" aria-label="Sprache wählen">\n
<svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path stroke-linecap="round" stroke-linejoin="round" d="M21 12a9 9 0 01-9 9m9-9a9 9 0 00-9-9m9 9H3m9 9a9 9 0 01-9-9m9 9c1.657 0 3-4.03 3-9s-1.343-9-3-9m0 18c-1.657 0-3-4.03-3-9s1.343-9 3-9m-9 9a9 9 0 019-9"/></svg>\n
<svg class="lang-caret" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path stroke-linecap="round" stroke-linejoin="round" d="M19 9l-7 7-7-7"/></svg>\n
</button>\n
<div class="lang-menu">\n
<a href="/" class="active">DE</a>\n
<a href="/en/" class="">EN</a>\n
<a href="/fr/" class="">FR</a>\n
</div>\n
</div>\n
<a class="login" href="https://www.startplatz.de/login/">Login</a>\n
<a class="join" href="https://www.startplatz.de/memberships/">Mitglied werden</a>\n
</div>\n
\n
<button class="burger" id="burger" aria-label="Menü"><span></span></button>\n
</div>\n
</header>\n
\n
<!-- ============ MOBILE DRILL-DOWN (Apple-Stil) ============ -->\n
<div class="mobile" id="mobile">\n
\n
<!-- Header: Logo + Schließen -->\n
<div class="mob-topbar">\n
<a class="mob-logo" href="/" aria-label="STARTPLATZ">\n
<img src="https://res.cloudinary.com/startplatz/image/upload/c_scale,w_180/v1614775163/logos/STARTPLATZ_Logos/STARTPLATZ_Logo.png" alt="STARTPLATZ">\n
</a>\n
<button class="mob-close" type="button" aria-label="Menü schließen">✕</button>\n
</div>\n
\n
<!-- Sliding viewport -->\n
<div class="mob-viewport">\n
\n
<!-- LEVEL 1 -->\n
<div class="mob-level mob-level1" id="mob-level1">\n
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<h1 style="line-height: 2em;">Getsafe digitalisiert Versicherung und macht InsurTech erlebbar</h1>\n
<p class="date">1. April 2019, 14:53 :: <a href="https://www.staging.startplatz.de/category/allgemein/" rel="category tag">Allgemein</a></p>\n
<p class="date">Autor: lgraef</p>\n
<p><p><b>Versicherungen haben den Ruf, kompliziert und undurchsichtig zu sein. Ein <a href="https://www.startplatz.de/startup-wiki/insurtech/">InsurTech</a> Startup aus Heidelberg will das Image ändern und lebt den Grundsatz einer transparenten Versicherung vor. Das junge 50-köpfige Team beruft sich ausschließlich auf digitale Services und setzt damit vollkommen neue Maßstäbe für die Assekuranz. Wir haben uns mit Claire Sévin, </b><b>VP Customer Experience bei <a href="https://www.hellogetsafe.com/de-de">Getsafe</a>,</b> <b>getroffen und im offenen Dialog über die Herausforderungen diskutiert, denen sich Versicherer im Zuge der Digitalisierung in Zukunft stellen müssen und was Teilnehmer der dritten </b><a href="http://insurtech-cologne.de/"><b>InsurTech Week</b></a><b> in Köln vom 20. – 24. Mai erwarten können.</b></p>\n
<p><span id="more-62737"></span></p>\n
<p><b>Hallo Claire! Kannst du uns in 2- 3 Sätzen die Vision von getsafe näherbringen? </b></p>\n
<p><i><span style="font-weight: 400;">“Gerne! Getsafe ist ein Technologieunternehmen, das sich auf das Produkt Versicherung spezialisiert hat und die Vision verfolgt, einen Begleiter zu schaffen, der den Versicherungsnehmer über sein Leben hinweg begleitet, um die materiellen Dinge und Personen, die für ihn wertvoll sind, optimal absichern zu können. Wir agieren dabei stets nach den Grundsätzen Fairness und Transparenz, um unseren Kunden langfristig das Leben \u{A0}leichter zu machen. Die Zielgruppe, die wir erreichen wollen, sind vornehmlich Millennials, sprich Personengruppen der Generation Z, die schlichtweg andere Kundenbedürfnisse und Ansprüche haben als ältere Zielgruppen. Dass wir eigene Versicherungen anbieten, war nicht immer so: Anfang 2015 ist Getsafe zunächst als Versicherungs-Broker gestartet.”</span></i></p>\n
<p><b>Du beschäftigst dich viel mit dem Thema Customer Experience und Consumer Research. Warum sind diese Themen gerade in der Versicherungsbranche so relevant und welche Rolle nimmst du in dieser Hinsicht bei getsafe ein?</b></p>\n
<p><i><span style="font-weight: 400;">“Vor rund eineinhalb Jahren habe ich bei Getsafe als Product Leader angefangen. Im Grunde ist das die Person, die für die Entwicklung digitaler Produkte und neuer Features verantwortlich ist und dabei eng mit Experience Designern, Entwicklern und einem Team aus Product Managern zusammenarbeitet. Seit Anfang des Jahres widme ich mich dem Thema Customer Experience, mit dem Bestreben, das Kundenerlebnis entlang des gesamten Lebenszyklus eines Versicherungskunden bei Getsafe zu verbessern. Mein übergeordnetes Ziel ist es, ein ganzheitliches Erlebnis für den Kunden zu schaffen. Um diesem Ziel näherzukommen, erstellen wir etwa Personas auf Basis von Daten und Insights. , Auf diese Weise können wir herausfinden, welche Bedürfnisse wir bereits erfüllen und wo gegebenenfalls noch Optimierungsbedarf besteht. Eines der Kernbedürfnisse unserer Zielgruppe Millennials ist beispielsweise Flexibilität: Um bestmöglich auf diesen Aspekt einzugehen, bieten wir unseren Kunden die Möglichkeit, weiteren Versicherungsschutz und Services mit nur einem Klick hinzuzubuchen, andererseits aber auch täglich zu kündigen. Wie stark unser digitaler Fokus ist, merkt man zudem daran, wie groß unser Customer Service Team ist: vier Leute, die sich um 50.000 Kunden kümmern – das ist ein Wahnsinns-Verhältnis. Und das bei einer Kundenzufriedenheit, die mit einem NPS von über 50 deutlich höher ist als bei traditionellen Anbietern.”</span></i></p>\n
<p> </p>\n
<p><center><img fetchpriority="high" decoding="async" class="img-responsive" src="https://www.startplatz.de/wp-content/uploads/2019/03/Claire-Sevin_Bildjpg.jpg" alt="" width="400" height="600" />Claire Sévin, VP Customer Experience</center> </p>\n
<p><b>Warum hat das Thema Versicherung einen so unbeliebten Ruf und was braucht es für einen Imagewechsel?</b></p>\n
<p><span style="font-weight: 400;"><i>“Das Problem, das viele Menschen mit ihren Versicherungen haben, ist mangelnde Transparenz und ein hohes Maß an Komplexität. Viele Versicherungsnehmer legen sämtliche Versicherungsdokumente bestenfalls in irgendwelchen Ordnern ab, was zu Chaos führt und dazu, dass sie den Überblick über ihre Versicherungspolicen verlieren. Der erste Schritt, den Getsafe als erstes InsurTech in Deutschland vor knapp vier Jahren gegangen ist, war es, einen Versicherungsmanager auf den Markt zu bringen, der es Kunden ermöglicht, ihre bestehenden Policen von allen möglichen Versicherern digital in einer App zu verwalten. Basierend auf den jeweiligen Daten und Unterlagen des Kunden konnte Getsafe Empfehlungen abgeben, die darauf abzielen, die bestmögliche Absicherung zu gewährleisten. An der Stelle haben wir mit sämtlichen Versicherungen zusammengearbeitet, dabei aber auch schnell gemerkt, dass es relativ schwierig ist, ein wirklich revolutionäres Kundenerlebnis zu bieten, sofern an den Prozessen traditioneller Versicherer festgehalten wird. So hat es teilweise vier bis sechs Wochen gedauert, bis die neue Police nach einem Versicherungswechsel in der App hinterlegt war. Nicht, weil es auf unserer Seite zu Versäumnissen kam, sondern weil wir schlichtweg zu lange auf eine Rückmeldung des Versicherers warten mussten. Das war der ausschlaggebende Punkt, der zu dem Entschluss führte, das Broker-Geschäft abzustoßen und uns zum Versicherungsanbieter weiterzuentwickeln. Am Ende des Tages ist eine gutes Kundenerlebnis das A und O und das konnten wir damals nicht bieten. Seitdem wir letztes Jahr das Broker-Geschäft an Verivox verkauft haben, fokussieren wir uns darauf, der beste digitale Versicherungsanbieter für unsere Zielgruppe zu sein.”</i></span></p>\n
<p><b>Ihr arbeitet mit dem Rückversicherer Munich Re zusammen – das sind zwei Welten, die aufeinanderprallen. Wie geht das gut? </b></p>\n
<p><i><span style="font-weight: 400;">“Ja das stimmt. Mit Munich Re haben wir den größten Rückversicherer weltweit als Partner an Bord, der für uns als Risikoträger fungiert, da wir selbst noch keine Versicherungslizenz haben. Bei der Kooperation treffen tatsächlich unterschiedliche Mindsets aufeinander – nicht zwingend, weil es sich bei der Munich Re um einen Konzern handelt, sondern eher, weil es im Wesen eines Rückversicherer liegt, Risiken zu minimieren. Auch wenn wir mit Getsafe gleichermaßen in der Versicherungsbranche tätig sind, ist ein Startup naturgemäß viel eher bereit, Neues auszuprobieren und in diesem Zuge zunächst Risiken einzugehen. Nichtsdestotrotz sehe ich viele Vorteile in den Gegensätzen zwischen Getsafe und Munich Re und dieser Art der Zusammenarbeit. In vielerlei Hinsicht steht man stetig im spannenden Dialog miteinander, der den Austausch von Wissen und Kompetenzen ermöglicht. Es findet eine Annäherung statt, die großartige Synergien schafft und dazu führt, dass man jede Menge voneinander lernt und sich optimal ergänzen kann. Nicht ohne Grund gibt es mittlerweile in nahezu jedem Konzern einen Innovationsbereich oder eine Startup-Unit, in der junge Unternehmen gefördert werden.” </span></i></p>\n
<p><b>Gibt es bereits konkrete Ziele, die Versicherungslizenz zu erlangen?</b></p>\n
<p><b></b><i></i><i><span style="font-weight: 400;">“Ich denke das ist die natürliche Entwicklung, um künftig flexibel und unabhängig zu sein. Die Rechtsform der MGA anzunehmen war für uns ein guter Schachzug, um möglichst schnell einen Markteintritt zu erwirken. Anstatt darauf zu warten, eine eigene Lizenz zu erlangen, konnten wir uns einen signifikanten Vorsprung sichern und auf dem Weg jede Menge lernen. Das gilt auch erstmal für die weitere Expansion in neue Sparten im In- und Ausland.”</span></i></p>\n
<p><i></i><b>Zu guter Letzt: Für wen ist die InsurTech Week in Köln besonders interessant ist und wer sollte sich die Themenwoche auf keinen Fall entgehen lassen? </b></p>\n
<p><i><span style="font-weight: 400;">“Da das Publikum so breit gefächert ist – von großen Versicherungskonzernen bis hin zu Studenten und InsurTechs – glaube ich, dass die InsurTech Week für alle spannend ist, die Spaß an verschiedenen Formaten haben, etwa an einem Reverse Pitch und den vielen interaktiven Sessions. Für Leute, die sich nur berieseln lassen möchten, ist die Woche eher nicht das Richtige. Andererseits ist die InsurTech Week für alle, die Lust haben, neue Ideen einzubringen, mitzudenken und sich mit anderen kreativen Köpfen über neue Wege in der Versicherungsbranche auszutauschen, ein absoluter Pflichttermin.”</span></i></p>\n
<p><strong>Spannende Insights, die Vorfreude auf die kommende <a href="http://insurtech-cologne.de/">InsurTech Week in Köln</a> in uns wecken! Bei der diesjährigen <a href="https://www.eventbrite.de/e/insurtech-week-2019-tickets-52665968329">InsurTech Konferenz</a>\u{A0}am 23. Mai ist Claire Sévin als Speaker mit dabei – sicher dir <a href="https://www.eventbrite.de/e/insurtech-week-2019-tickets-52665968329">hier</a> dein Ticket!</strong></p>\n
<h3><strong>Du willst mit deinen Ideen die Zukunft der Versicherungswirtschaft aktiv mitgestalten? Dann verpasse auf keinen Fall die diesjährige\u{A0}<a href="http://insurtech-cologne.de/">InsurTech Week #3</a>\u{A0}vom 20. -24. Mai, bei der sich eine Woche lang alles rund um digitale Lösungen in der Versicherungsbranche dreht! Alle Informationen</strong><strong> und Tickets gibt es\u{A0}<a href="http://insurtech-cologne.de/">hier!</a></strong></h3>\n
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removeClass(el, cssClass) : addClass(el, cssClass); }; } var noop = function() {}; var profilerStorageKey = 'symfony/profiler/'; var addEventListener; var el = document.createElement('div'); if (!('addEventListener' in el)) { addEventListener = function (element, eventName, callback) { element.attachEvent('on' + eventName, callback); }; } else { addEventListener = function (element, eventName, callback) { element.addEventListener(eventName, callback, false); }; } var request = function(url, onSuccess, onError, payload, options, tries) { url = new URL(url); url.searchParams.set('XDEBUG_IGNORE', '1'); url = url.toString(); var xhr = window.XMLHttpRequest ? new XMLHttpRequest() : new ActiveXObject('Microsoft.XMLHTTP'); options = options || {}; options.retry = options.retry || false; tries = tries || 1; /* this delays for 125, 375, 625, 875, and 1000, ... */ var delay = tries < 5 ? 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's' : ''); } var ajaxToolbarPanel = document.querySelector('.sf-toolbar-block-ajax'); if (requestStack.length) { ajaxToolbarPanel.style.display = ''; } else { ajaxToolbarPanel.style.display = 'none'; } if (pendingRequests > 0) { addClass(ajaxToolbarPanel, 'sf-ajax-request-loading'); } else if (successStreak < 4) { addClass(ajaxToolbarPanel, 'sf-toolbar-status-red'); removeClass(ajaxToolbarPanel, 'sf-ajax-request-loading'); } else { removeClass(ajaxToolbarPanel, 'sf-ajax-request-loading'); removeClass(ajaxToolbarPanel, 'sf-toolbar-status-red'); } }; var startAjaxRequest = function(index) { var tbody = document.querySelector('.sf-toolbar-ajax-request-list'); if (!tbody) { return; } var nbOfAjaxRequest = tbody.rows.length; if (nbOfAjaxRequest >= 100) { tbody.deleteRow(0); } var request = requestStack[index]; pendingRequests++; var row = document.createElement('tr'); request.DOMNode = row; var requestNumberCell = document.createElement('td'); requestNumberCell.textContent = index + 1; row.appendChild(requestNumberCell); 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durationCell.textContent = 'n/a'; row.appendChild(durationCell); request.liveDurationHandle = setInterval(function() { durationCell.textContent = (new Date() - request.start) + ' ms'; }, 100); row.className = 'sf-ajax-request sf-ajax-request-loading'; tbody.insertBefore(row, null); var toolbarInfo = document.querySelector('.sf-toolbar-block-ajax .sf-toolbar-info'); toolbarInfo.scrollTop = toolbarInfo.scrollHeight; renderAjaxRequests(); }; var finishAjaxRequest = function(index) { var request = requestStack[index]; clearInterval(request.liveDurationHandle); if (!request.DOMNode) { return; } if (request.toolbarReplace && !request.toolbarReplaceFinished && request.profile) { /* Flag as complete because finishAjaxRequest can be called multiple times. */ request.toolbarReplaceFinished = true; /* Search up through the DOM to find the toolbar's container ID. */ for (var elem = request.DOMNode; elem && elem !== document; elem = elem.parentNode) { if (elem.id.match(/^sfwdt/)) { Sfjs.loadToolbar(elem.id.replace(/^sfwdt/, ''), request.profile); break; } } } if (pendingRequests > 0) { pendingRequests--; } var row = request.DOMNode; /* Unpack the children from the row */ var profilerCell = row.children[1]; var methodCell = row.children[2]; var statusCodeCell = row.children[4]; var statusCodeElem = statusCodeCell.children[0]; var durationCell = row.children[6]; if (request.error) { row.className = 'sf-ajax-request sf-ajax-request-error'; methodCell.className = 'sf-ajax-request-error'; successStreak = 0; } else { row.className = 'sf-ajax-request sf-ajax-request-ok'; successStreak++; } if (request.statusCode) { if (request.statusCode < 300) { statusCodeElem.setAttribute('class', 'sf-toolbar-status'); } else if (request.statusCode < 400) { statusCodeElem.setAttribute('class', 'sf-toolbar-status sf-toolbar-status-yellow'); } else { statusCodeElem.setAttribute('class', 'sf-toolbar-status sf-toolbar-status-red'); } statusCodeElem.textContent = request.statusCode; } else { statusCodeElem.setAttribute('class', 'sf-toolbar-status sf-toolbar-status-red'); 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finishAjaxRequest(idx); }); startAjaxRequest(idx); } return promise; }; } if (window.XMLHttpRequest && XMLHttpRequest.prototype.addEventListener) { var proxied = XMLHttpRequest.prototype.open; XMLHttpRequest.prototype.open = function(method, url, async, user, pass) { var self = this; /* prevent logging AJAX calls to static and inline files, like templates */ var path = url; if (url.slice(0, 1) === '/') { if (0 === url.indexOf('')) { path = url.slice(0); } } else if (0 === url.indexOf('https\u003A\/\/www.staging.startplatz.de')) { path = url.slice(33); } if (!path.match(new RegExp("^\/((index|app(_[\\w]+)?)\\.php\/)?_wdt"))) { var stackElement = { error: false, url: url, method: method, type: 'xhr', start: new Date() }; var idx = requestStack.push(stackElement) - 1; this.addEventListener('readystatechange', function() { if (self.readyState == 4) { stackElement.duration = new Date() - stackElement.start; stackElement.error = self.status < 200 || self.status >= 400; stackElement.statusCode = self.status; extractHeaders(self, stackElement); finishAjaxRequest(idx); } }, false); startAjaxRequest(idx); } proxied.apply(this, Array.prototype.slice.call(arguments)); }; } return { hasClass: hasClass, removeClass: removeClass, addClass: addClass, toggleClass: toggleClass, getPreference: getPreference, setPreference: setPreference, addEventListener: addEventListener, request: request, renderAjaxRequests: renderAjaxRequests, getSfwdt: function(token) { return document.getElementById('sfwdt' + token); }, load: function(selector, url, onSuccess, onError, options) { var el = document.getElementById(selector); if (el && el.getAttribute('data-sfurl') !== url) { request( url, function(xhr) { el.innerHTML = xhr.responseText; el.setAttribute('data-sfurl', url); removeClass(el, 'loading'); var pending = pendingRequests; for (var i = 0; i < requestStack.length; i++) { startAjaxRequest(i); if (requestStack[i].duration || requestStack[i].error) { finishAjaxRequest(i); } } /* Revert the pending state in case there was a start called without a finish above. */ pendingRequests = pending; (onSuccess || noop)(xhr, el); }, function(xhr) { (onError || noop)(xhr, el); }, '', options ); } return this; }, showToolbar: function(token) { var sfwdt = this.getSfwdt(token); var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`); if ('closed' === getPreference('toolbar/displayState')) { addClass(sfwdt.parentNode, 'sf-toolbar-closed'); removeClass(sfwdt.parentNode, 'sf-toolbar-opened'); if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'false'); } } else { addClass(sfwdt.parentNode, 'sf-toolbar-opened'); removeClass(sfwdt.parentNode, 'sf-toolbar-closed'); if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'true'); } } }, hideToolbar: function(token) { var sfwdt = this.getSfwdt(token); var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`); addClass(sfwdt.parentNode, 'sf-toolbar-closed'); removeClass(sfwdt.parentNode, 'sf-toolbar-opened'); if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'false'); } }, initToolbar: function(token) { this.showToolbar(token); var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`); addEventListener(toggleButton, 'click', function (event) { event.preventDefault(); const newState = 'closed' === getPreference('toolbar/displayState') ? 'opened' : 'closed'; setPreference('toolbar/displayState', newState); 'opened' === newState ? Sfjs.showToolbar(token) : Sfjs.hideToolbar(token); }); }, loadToolbar: function(token, newToken) { var that = this; var triesCounter = document.getElementById('sfLoadCounter-' + token); var options = { retry: true, onSend: function (count) { if (count === 3) { that.initToolbar(token); } if (triesCounter) { triesCounter.textContent = count; } }, }; var cancelButton = document.getElementById('sfLoadCancel-' + token); if (cancelButton) { addEventListener(cancelButton, 'click', function (event) { event.preventDefault(); options.stop = true; that.hideToolbar(token); }); } newToken = (newToken || token); this.load( 'sfwdt' + token, 'https\u003A\/\/www.staging.startplatz.de\/_wdt\/xxxxxx'.replace(/xxxxxx/, newToken), function(xhr, el) { var toolbarContent = document.getElementById('sfToolbarMainContent-' + newToken); /* Do nothing in the edge case where the toolbar has already been replaced with a new one */ if (!toolbarContent) { return; } /* Replace the ID, it has to match the new token */ toolbarContent.parentElement.id = 'sfwdt' + newToken; /* Evaluate in global scope scripts embedded inside the toolbar */ var i, scripts = [].slice.call(el.querySelectorAll('script')); for (i = 0; i < scripts.length; ++i) { if (scripts[i].firstChild) { eval.call({}, scripts[i].firstChild.nodeValue); } } el.style.display = -1 !== xhr.responseText.indexOf('sf-toolbarreset') ? 'block' : 'none'; if (el.style.display == 'none') { return; } that.initToolbar(newToken); /* Handle toolbar-info position */ var toolbarBlocks = [].slice.call(el.querySelectorAll('.sf-toolbar-block')); for (i = 0; i < toolbarBlocks.length; ++i) { toolbarBlocks[i].onmouseover = function () { var toolbarInfo = this.querySelectorAll('.sf-toolbar-info')[0]; var pageWidth = document.body.clientWidth; var elementWidth = toolbarInfo.offsetWidth; var leftValue = (elementWidth + this.offsetLeft) - pageWidth; var rightValue = (elementWidth + (pageWidth - this.offsetLeft)) - pageWidth; /* Reset right and left value, useful on window resize */ toolbarInfo.style.right = ''; toolbarInfo.style.left = ''; if (elementWidth > pageWidth) { toolbarInfo.style.left = 0; } else if (leftValue > 0 && rightValue > 0) { toolbarInfo.style.right = (rightValue * -1) + 'px'; } else if (leftValue < 0) { toolbarInfo.style.left = 0; } else { toolbarInfo.style.right = '0px'; } }; } renderAjaxRequests(); addEventListener(document.querySelector('.sf-toolbar-ajax-clear'), 'click', function() { requestStack = []; renderAjaxRequests(); successStreak = 4; document.querySelector('.sf-toolbar-ajax-request-list').innerHTML = ''; }); addEventListener(document.querySelector('.sf-toolbar-block-ajax'), 'mouseenter', function (event) { var elem = document.querySelector('.sf-toolbar-block-ajax .sf-toolbar-info'); elem.scrollTop = elem.scrollHeight; }); addEventListener(document.querySelector('.sf-toolbar-block-ajax > .sf-toolbar-icon'), 'click', function (event) { event.preventDefault(); toggleClass(this.parentNode, 'hover'); }); var dumpInfo = document.querySelector('.sf-toolbar-block-dump .sf-toolbar-info'); if (null !== dumpInfo) { addEventListener(dumpInfo, 'sfbeforedumpcollapse', function () { dumpInfo.style.minHeight = dumpInfo.getBoundingClientRect().height+'px'; }); addEventListener(dumpInfo, 'mouseleave', function () { dumpInfo.style.minHeight = ''; }); } }, function(xhr) { if (xhr.status !== 0 && !options.stop) { var sfwdt = that.getSfwdt(token); sfwdt.innerHTML = '\ <div class="sf-toolbarreset notranslate">\ <div class="sf-toolbar-icon"><svg width="26" height="28" xmlns="http://www.w3.org/2000/svg" version="1.1" x="0px" y="0px" viewBox="0 0 26 28" enable-background="new 0 0 26 28" xml:space="preserve"><path fill="#FFFFFF" d="M13 0C5.8 0 0 5.8 0 13c0 7.2 5.8 13 13 13c7.2 0 13-5.8 13-13C26 5.8 20.2 0 13 0z M20 7.5 c-0.6 0-1-0.3-1-0.9c0-0.2 0-0.4 0.2-0.6c0.1-0.3 0.2-0.3 0.2-0.4c0-0.3-0.5-0.4-0.7-0.4c-2 0.1-2.5 2.7-2.9 4.8l-0.2 1.1 c1.1 0.2 1.9 0 2.4-0.3c0.6-0.4-0.2-0.8-0.1-1.3C18 9.2 18.4 9 18.7 8.9c0.5 0 0.8 0.5 0.8 1c0 0.8-1.1 2-3.3 1.9 c-0.3 0-0.5 0-0.7-0.1L15 14.1c-0.4 1.7-0.9 4.1-2.6 6.2c-1.5 1.8-3.1 2.1-3.8 2.1c-1.3 0-2.1-0.6-2.2-1.6c0-0.9 0.8-1.4 1.3-1.4 c0.7 0 1.2 0.5 1.2 1.1c0 0.5-0.2 0.6-0.4 0.7c-0.1 0.1-0.3 0.2-0.3 0.4c0 0.1 0.1 0.3 0.4 0.3c0.5 0 0.9-0.3 1.2-0.5 c1.3-1 1.7-2.9 2.4-6.2l0.1-0.8c0.2-1.1 0.5-2.3 0.8-3.5c-0.9-0.7-1.4-1.5-2.6-1.8c-0.8-0.2-1.3 0-1.7 0.4C8.4 10 8.6 10.7 9 11.1 l0.7 0.7c0.8 0.9 1.3 1.7 1.1 2.7c-0.3 1.6-2.1 2.8-4.3 2.1c-1.9-0.6-2.2-1.9-2-2.7c0.2-0.6 0.7-0.8 1.2-0.6 c0.5 0.2 0.7 0.8 0.6 1.3c0 0.1 0 0.1-0.1 0.3C6 15 5.9 15.2 5.9 15.3c-0.1 0.4 0.4 0.7 0.8 0.8c0.8 0.3 1.7-0.2 1.9-0.9 c0.2-0.6-0.2-1.1-0.4-1.2l-0.8-0.9c-0.4-0.4-1.2-1.5-0.8-2.8c0.2-0.5 0.5-1 0.9-1.4c1-0.7 2-0.8 3-0.6c1.3 0.4 1.9 1.2 2.8 1.9 c0.5-1.3 1.1-2.6 2-3.8c0.9-1 2-1.7 3.3-1.8C20 4.8 21 5.4 21 6.3C21 6.7 20.8 7.5 20 7.5z"/></svg></div>\ An error occurred while loading the web debug toolbar. <a href="https\u003A\/\/www.staging.startplatz.de\/_profiler\/' + newToken + '">Open the web profiler.</a>\ </div>\ '; sfwdt.parentElement.setAttribute('class', 'sf-toolbar sf-error-toolbar'); } }, options ); return this; }, toggle: function(selector, elOn, elOff) { var tmp = elOn.style.display, el = document.getElementById(selector); elOn.style.display = elOff.style.display; elOff.style.display = tmp; if (el) { el.style.display = 'none' === tmp ? 'none' : 'block'; } return this; }, }; })(); } Sfjs.loadToolbar('8b3417'); /*]]>*/</script></div><!-- END of Symfony Web Debug Toolbar -->\n
</body>\n
</html>\n
"""
#version: "1.1"
#statusCode: 200
#statusText: "OK"
#charset: "UTF-8"
-sentHeaders: ? array
} |